To attract small and medium-sized businesses to import substitution, the authorities are piloting a new program of concessional lending for investment purposes – at only 3% and 4.5% per annum. This tool will be available to companies in the processing, logistics, agricultural processing and hospitality industries. In order to reduce the cost of lending, it was necessary to combine preferential programs of the government, the Bank of Russia and the SME Corporation – the lending limit by the end of the year is estimated at 50 billion rubles. Experts support the measure, but consider the volume of preferential loans to be insufficient. .